Loan Rates
New Cars: 100% of Value (If Dealer offers lower interest rate, we will match – no lower than 1.5% rate. This applies to New or Used Car Loans)
12 – 60 Months 4.5%
61 – 72 Months 5.0%
Used Cars: No More Than NADA Value – No Car Loan offered on a car that is over 10 years old.
12 – 72 Months 5.5%
Existing Car Loans with another Financial Institution may be re-written by the Credit Union using the same terms that fall within the LSTEFCU’s parameters. Documentation required.
Personal Loans: Subject to Change
12 – 36 Months 8.0% $5,000.00 Maximum Loan
12 – 36 Months 9.0% Minimum Loan $5001.00 – Max $7,500.00
12 – 48 Months 10.0% Minimum Loan $7,501.00 – Max $10,000.00
Home Improvement Loans: Maximum $15,000.00
36 – 60 Months 9.0%
Secured Loan: 5.0%
All LSTEFCU REWRITTEN loans must be increased (added on) by at least
$1,000.00 after a minimum of 12 consecutive payments have been made.